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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $86,489 | $67,894+27.4% | $89,340-3.2% | $82,448+4.9% |
| Participation rate | 95.0% | 64.0%+31.0pp | 69.6%+25.4pp | 68.1%+26.9pp |
| Annual return | 14.63% | 19.21%-4.6pp | 20.57%-5.9pp | 41.64%-27.0pp |
| Employer contribution / active EE | $3,398 | $1,828+85.9% | $2,231+52.3% | $2,551+33.2% |
| Participant deferral / active EE | $4,369 | $3,072+42.2% | $3,823+14.3% | $4,139+5.6% |
| Admin fee / account holder | $12,154 | $5,723+112.4% | $6,704+81.3% | $7,234+68.0% |